Federal Reserve Bank of San Francisco. "Risk Pricing of Wholesale Funds and the Behavior of Retail Deposit Rates: How Bank‐Specific Risk Drives Substitution and Local‐Market Competition" in IBEFA 2015 Summer Meeting, June 25-26, 2015 (January 20, 2015). https://fraser.stlouisfed.org/title/9959/item/735798, accessed on September 7, 2026.